The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,939
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,119
−HK$1,199/mo
Today · 4.125%
HK$40,318
baseline
▲ 0.50% · 4.625%
HK$42,771
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,636/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,207
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,339
−HK$1,148/mo
Today · 4.125%
HK$44,487
baseline
▲ 0.50% · 4.625%
HK$46,832
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,974/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,527
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,943
−HK$1,439/mo
Today · 4.125%
HK$48,382
baseline
▲ 0.50% · 4.625%
HK$51,326
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,764/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,648
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,007
−HK$1,378/mo
Today · 4.125%
HK$53,385
baseline
▲ 0.50% · 4.625%
HK$56,199
+HK$2,814/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,770/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,115
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,767
−HK$1,678/mo
Today · 4.125%
HK$56,445
baseline
▲ 0.50% · 4.625%
HK$59,880
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,890/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,090
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,674
−HK$1,608/mo
Today · 4.125%
HK$62,282
baseline
▲ 0.50% · 4.625%
HK$65,565
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,564/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,290
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,415
−HK$2,158/mo
Today · 4.125%
HK$72,573
baseline
▲ 0.50% · 4.625%
HK$76,989
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,146/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,972
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,010
−HK$2,067/mo
Today · 4.125%
HK$80,077
baseline
▲ 0.50% · 4.625%
HK$84,298
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,154/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,928 · Scale 2, in force from 26 Feb 2026)